The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,997
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,359/mo
Today · 4.125%
HK$45,693
baseline
▲ 0.50% · 4.625%
HK$48,473
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,386/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,833
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,116
−HK$1,302/mo
Today · 4.125%
HK$50,418
baseline
▲ 0.50% · 4.625%
HK$53,075
+HK$2,657/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,836/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,596
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,201
−HK$1,631/mo
Today · 4.125%
HK$54,832
baseline
▲ 0.50% · 4.625%
HK$58,168
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,664/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,400
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,940
−HK$1,561/mo
Today · 4.125%
HK$60,501
baseline
▲ 0.50% · 4.625%
HK$63,690
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$121,002/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,195
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,068
−HK$1,902/mo
Today · 4.125%
HK$63,970
baseline
▲ 0.50% · 4.625%
HK$67,863
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,940/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,967
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,763
−HK$1,822/mo
Today · 4.125%
HK$70,585
baseline
▲ 0.50% · 4.625%
HK$74,305
+HK$3,720/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,170/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,394
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,802
−HK$2,445/mo
Today · 4.125%
HK$82,247
baseline
▲ 0.50% · 4.625%
HK$87,252
+HK$5,005/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,494/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,100
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,409
−HK$2,343/mo
Today · 4.125%
HK$90,752
baseline
▲ 0.50% · 4.625%
HK$95,536
+HK$4,784/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,504/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,104 · Scale 2, in force from 26 Feb 2026)